Personal Loans at Tata Capital are unique and flexible. We offer quick and easy finance at competitive interest rates. Our Personal Loan is built around your needs. Who says you can’t have it easy? With us, all it takes is a click.
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Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Overdraft facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.
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A marriage today comes with its fair share of frills, thrills and not to mention - Bills. A Personal Loan for Wedding enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale wedding come to life.
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In times of emergency, getting funds should be a hassle free experience. Tata Capital,s Medical Loan provides flexible repayment options for all cosmetic, medical and dental procedures. With us, you can rest easy knowing your medical expenses are covered.
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Tata Capital offers Education Loans to help students pay their tuition fees and living cost when they are looking to take the next steps in their education, both in India and abroad.
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Want to fund your vacation but falling short on funds? An EMI based Travel loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Head off on your next adventure. Our Travel Loan is simple, easy and fast!
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Thinking of revamping your home? We help you do just that with our Personal Loan for Home Renovation. Whether you want to remodel your kitchen or turn your children’s bedroom into a magical fairy land, our Home Renovation Loan facility will help in giving your home a new look.
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If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate.
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As the years go by and your family continues to grow, does your house feel smaller? Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.
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Every person deserves a home to call their own. With this vision and under the Pradhan Mantri Awas Yojana Scheme, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.
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The PMAY is a Government backed Credit Linked Subsidy Scheme (CLSS) wherein the mission is to provide affordable housing for all by the year 2022. The PMAY scheme offers its beneficiaries with subsidy, where the Pradhan Mantri Awas Yojana interest rate is charged at a subsidised or reduced rate than regular housing loans. This is done to make it possible for everyone to afford a home.
Whether you want to revamp your business, launch a new store, buy new machinery, increase working capital or outperform your competitors. Tata Capital Unsecured Business Loans offer you customised loans to suit your business plan.
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LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Opting for a Used Car Loan is a smart, value-for-money purchase. Tata Capital offers Used Car Loans upto Rs. 50 lakhs for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. Your favourite car is just a click away.
Apply NowNothing matches the thrill of owning your brand new bike. Tata Capital offers Two Wheeler Loans for you to own the bike of your choice. We offer up to 100% funding on your new motorcycle or scooter.
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Used Car Loan
APPLY NOWAs one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know MoreA better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
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At Tata Capital, we understand your insurance needs and offer Insurance policies that provide protection against any unforeseen risks. Tata Capital has solutions to cater to your various needs - you can avail any of the Online Insurance policies with just a few clicks!
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PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS STARTING AT 6.90%
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS STARTING AT 6.90%
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
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AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
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A Personal Loan EMI calculator is a simple tool which calculates the EMI that you are required to pay every month for the repayment of your loan. All you need to do is enter the Loan Amount, Rate of Interest, and the desired Loan Tenure and the calculator will instantly calculate the EMI Amount and the Interest Payable.
A personal loan EMI calculator has the following three important components –
Loan Amount or Principal –It the total amount that a you borrow as loan and are required to pay back at the end of the term along with the interest
Rate of Interest – Expressed as a percentage, the rate of interest is the rate at which interest will be charged on the principal loan amount for a loan duration
Loan Tenure or Loan Duration – Expressed either in years or months, tenure is the time period within which you are liable to pay back the total personal loan amount with interest
You can use our calculator to calculate your personal loan EMI. Just follow the steps mentioned below -
Step 1 – Using the first slider, set the desired Loan Amount. You can even use the ‘+’ and ‘-‘ symbols to increase or decrease the amount or enter the amount manually in the box
Step 2 – Use the second slider to set the Rate of Interest. You can use the ‘+’ and ‘-‘ symbols to increase or decrease the interest rate or manually enter it in the given box
Step 3 – The third and final slider will help you set the Loan Duration, in months or years. You can even use the ‘+’ or ‘-‘ symbols to increase or decrease the loan duration or you can manually enter the same in the box.
The personal loan EMI calculator will automatically show you the EMI amount that you need to pay every month.
By using the personal loan EMI calculator, you can experience the following advantages -
Know the EMI in Advance – Using the personal loan EMI calculator, you can know beforehand the amount that you need to shelf away on a monthly basis for the repayment of your loan
Manage your Budget – By knowing in advance the amount that you need to pay on a monthly basis, you can manage your finances around your EMI and spend accordingly
Find the Right Loan Tenure – Since you can know the total Principal amount and the total interest payable, a personal loan EMI calculator will help you in choosing a loan tenure you are comfortable with as per your budget
Time-Saving and Accurate – Calculating EMI via the traditional manual method is not only time-consuming but also a complex process, often prone to errors. A personal loan EMI calculator gives you the accurate answer within seconds
A personal loan EMI calculator is easy to use. You just need to select the Loan Amount you wish to borrow, Rate of Interest, and Loan Tenure using the different sliders and the calculator will automatically calculate the EMI amount and Total personal loan Interest Payable for you.
A personal loan amortization schedule is a complete table of periodic loan payments, displaying the Principal amount and the Interest amount that you would need to repay to close your loan on time.
Let us understand this with the help of an example. For a principal loan amount of Rs. 5,00,000 borrowed at an interest rate of 8% for a tenure of 10 years, the Amortisation schedule will look as shown below –
Year |
Principal |
Interest |
Total Paid |
Balance |
2020 |
31,085.95 |
35,644.23 |
66,730.18 |
468,914.05 |
2021 |
36,606.34 |
36,190.22 |
72,796.56 |
432,307.71 |
2022 |
39,644.67 |
33,151.89 |
72,796.56 |
392,663.04 |
2023 |
42,935.15 |
29,861.41 |
72,796.56 |
349,727.89 |
2024 |
46,498.75 |
26,297.81 |
72,796.56 |
303,229.14 |
2025 |
50,358.11 |
22,438.45 |
72,796.56 |
252,871.03 |
2026 |
54,537.81 |
18,258.75 |
72,796.56 |
198,333.22 |
2027 |
59,064.43 |
13,732.13 |
72,796.56 |
139,268.79 |
2028 |
63,966.74 |
8,829.82 |
$72,796.56 |
75,302.05 |
2029 |
69,275.95 |
3,520.61 |
72,796.56 |
6,026.10 |
2030 |
6,026.10 |
40.17 |
6,066.27 |
0.00 |
Total |
500,000.00 |
227,965.49 |
727,965.49 |
Note – all figures in INR
Follow these simple steps to use Tata Capital’s personal loan EMI calculator –
Step 1 – Using the first slider, select the principal loan amount. You can even use the ‘+’ ad ‘-‘symbols to increase or decrease the amount or simply enter the desired amount in the box given
Step 2 – Set the desired rate interest using the second slider. You can even use the ‘+’ and ‘-‘symbols to increase or decrease the rate or you can simply enter it in the box given
Step 3 – Now, use the third and final slider to set the desired loan tenure (in months or years). You can even use the ‘+’ and ‘-‘symbols to increase or decrease the tenure or you can simply enter it in the box given
Once done, the personal loan EMI calculator will almost instantaneously show the EMI amount that you need to pay every month for loan repayment inclusive of interest.
The following are the benefits of using a simple online tool such as the personal loan EMI calculator –
The following are the reasons for which it is important for you to know your EMI in advance –
Knowing Personal Loan Eligibility – A personal loan EMI calculator gives you an accurate answer as to the amount you need to pay as EMI every month for loan repayment. This helps your personal loan eligibility to receive the desired loan amount at the desired interest for the desired loan tenure
Budgeting – Knowing your exact EMI amount in advance can help you be mentally prepared for what’s coming. As a result, you will be able to plan out your finances around your monthly EMI
Planning Out Loan Repayment – Once your know the exact EMI amount you will need to pay each month, you can decide whether or not you will be able to shelve that amount every moth. And if not, you can simply chose other options like increasing the tenure to plan out a convenient repayment
You can use the following ways to reduce your personal loan EMI –
Opting for a Higher Loan Down Payment – Down payment is known as the portion of the loan amount that a borrower needs to pay out-of-pocket. Remember that you need to pay interest only on the borrowed principal amount. A higher principal amount will naturally lead to higher EMIs. Opting for a higher down payment will reduce the borrowed principal, and thereby the EMI
Choosing a Longer Loan Tenure – Since your EMI is inversely proportional to the loan tenure, opting for a longer loan tenure will help you disburse the loan over a longer period, thereby reducing each EMI
Opting for a Lower Rate of Interest – If you are able to repay the loan faster, then choosing a lower interest rate for personal loan is not only a good way to reduce your EMI but also to pay repay your loan faster
Opting for a Balance Transfer – This is applicable after you have already availed a personal loan but are finding it difficult to repay. In such a case, you can have your loan transferred to another lender offering lower interest rates than your current lender